Tailored Loans, Trusted Advice

Financing Beyond Banks:
Your Trusted Loan Broker in Singapore

Discover other financing alternatives to fund your business, property, or other personal needs. Let our private finance brokers in Singapore help you.

Our business

Alternative Financing Solutions Made Easy.

As a trusted private finance loan broker in Singapore, we have in-depth expertise in alternative financing. Our finance brokers aim to secure PRIVATE FINANCING SOLUTIONS for businesses and property owners. From our wide network of non-bank lending institutions, our company can help you explore other loan options when a conventional bank loan is not possible.

Our goal is to simplify the process by guiding you through each step of finding the right alternative financing solution. Whether you’re looking for urgent capital or long-term financing for your business, our finance brokers will ensure you’re presented with options aligned to your needs.

Happy clients

Loans funded

Years of combined experience

Our team

WHO ARE WE

We are in this together

Greystone Advisory has started as a boutique mortgage advisory firm specializing in NON-BANKS mortgage loans. Today, we have expanded our services, aiming to help you secure alternative financing solutions for your business, property and personal needs when the banks can’t or won’t (do it for you).

Wide Network of Non-Bank Lending Institutions

Our direct access to more than 40 private lending institutions (including family offices) allows you to make quick residential and commercial real estate deals happen when others cannot.
Customized Loan Programs

Customized Loan Programs

Our experienced loan brokers will work closely with our established network of law firms & valuation firms to link you to a suitable lender. This helps you gain access to a loan program that is tailored to your specific goals.

What we do

Our Services

Quick facts of our alternative mortgage solutions

Loan Amount – SGD 200K to SGD 30MIL
Flexible Loan Tenure – From 3 months to 15 years
High LTV Limit – Up to 85%
Low Interest Rate – From 7.25% p.a. onwards
Fast Loan Approval – Within 3 days from submission of complete documents
Quick Funds Disbursement – Within 3 days from loan acceptance

HOW WE CAN HELP YOU

Do you know that it is 100% legally permissible in Singapore for one to get business, property, or personal loans from a private lending institution other than a traditional bank? In fact, these alternative solutions provide greater flexibility and prompt approval times, making them ideal for those who may not fit the conventional bank criteria. If you need help in securing a loan, our loan brokers can work closely with you to find one that suits your circumstances and needs.

Quick facts about our private financing solutions

Loan Amount – SGD 200K to SGD 30MIL
Flexible Loan Tenure – From 3 months to 15 years
High LTV Limit – Up to 85%
Low Interest Rate – From 6% p.a. onwards
Fast Loan Approval – Within 3 days from submission of complete documents
Quick Funds Disbursement – Within 3 days from loan acceptance

Business / Property Owners

Are banks’ lending parameters too tight or inflexible for your scenarios?

If securing a loan from conventional banks has proven challenging, consider alternative options through private lending institutions in Singapore. Our experienced loan brokers can connect you with a network of private lenders, offering business loans without collateral or private property loans when traditional financing isn't available.

Lenders

Our private finance brokers take care of clients, and it shows.

Need more proof of our success?

Check out these actual deals we’ve helped our client acquire, showing our professional prowess and commitment.

“To secure the best NON-BANK FINANCING SOLUTIONS within the shortest possible time for BUSINESS & PROPERTY OWNERS when banks are closing doors on them.”

Greystone Advisory

Rated 5 out of 5

Case Study

Recent Deals Done

Our private finance brokers take care of clients, and it shows.

Need more proof of our success?

Check out these actual deals we’ve helped our client acquire, showing our professional prowess and commitment.

How we helped

OUR PARTNERS

Our Partnering Law Firms

What our clients say

"I needed quick funds without the hassle of a traditional bank. Greystone Advisory connected me with the perfect lender for my non-bank personal loan, providing a smooth and efficient process."

"The variety of private personal loans offered through Greystone Advisory allowed me to choose the best fit for my needs. The team's professionalism made the entire process stress-free."

"Greystone Advisory's service bridged the gap between me and legal lending companies. Their private personal loan options gave me the flexibility I needed during a challenging time."

Situation 3	INHERITANCE DISPUTES
Deal Type	To finance purchase of sibling’s share in the property
Property	Sem-Detached house along Jalan Seaview
Property Value	$$7.5M
New Loan Amount	$2.8M
LTV	37.5%
Synopsis	Customer, age 62, had jointly inherited the above fully-paid property together with his sister when their father passed away sometime in June last year. Both siblings were at constant disagreements regarding the sale of the property. Customer had always wanted to keep the property for future capital appreciation and his sister was in favour of selling the property so that she could use the sales proceeds to fund her new condo purchase.
Solution (1)	Unable to reach a consensus, the Customer then wanted to buy over his sister 50% equity stakes in the property (valued at $3.75M). Customer was unable get the bank to finance his part purchase exercise as he cannot meet the TDSR requirement and loan tenure. We then managed to get our private lender to finance his purchase of his sister’s share with a $2.8M loan (with a 75% LTV against the $3.75M purchase price)
Solution (2)	Separate financing had also been arranged for the remaining $950K cash difference (being the balance of the remaining 25% purchase price), which was secured by pledging part of Customer’s 50% stakes in the property as well.

Situation 2	BANKRUPTCY LAWSUIT
Deal Type	Refinancing with Fresh Cash-Out
Property Type	Detached House in Newton Area
Property Value	$14M
New Loan Amount	$10M
LTV	71.4%
Synopsis	Customer, age 72, was facing one of the biggest challenges as a veteran businessman, when one of his suppliers had filed a bankruptcy application against him (being the guarantor for his group of F&B companies). After successfully obtained the court judgement for a claim-sum of $1.9M, the customer was eventually given 2-month timeline to settle the payment, failing which he would be in imminent danger of being declared a bankrupt, thus crumbling his business empire which he had built for decades. Despite only having an outstanding mortgage of $7.5M (with a 53.5% LTV against its $14M valuation), no bank is willing to explore the fresh financing in view of his age and more importantly, the pending bankruptcy lawsuit.
Solution	Secured a $10M financing (@ 71.4% LTV from a non-bank lender, out of which $8.5M was to redeem his existing bank loan with another $1.9M to be earmarked to be paid to the supplier on the agreed deadline. Remaining $600K was disbursed to the Borrower for his personal use. With the payment made to the supplier and eventual complete withdrawal of the bankruptcy application, we have thus successfully helped our customer to avert the disaster of being made a bankrupt at this age and he can now refocus on rebuilding and restructuring his other business portfolio

Situation 1	BANK’S REPOSSESSION
Deal Type	Refinancing with Fresh Cash-Out
Property	3 Bedroom Condo along Meyer Road
Property Value	$3.2M
New Loan Amount	$2.4M (with fresh cash-out of $500K)
LTV	75%
Synopsis	Customer, age 51, a senior marketing director in the food logistics industry, was being retrenched in August last year without any prior notice. With his wife being a full-time homemaker, he found himself soon having difficulties in servicing his mortgage repayments, resulting in the bank taking steps to repossess the property for a mortgagee sale within a short span of 6 months. Despite only having a $1.4M outstanding mortgage with $600K of CPF usage, the bank was unable to grant him additional cash-out facilities to tide him through this challenging period, as he couldn’t pass the 55% TDSR threshold in the absence of regular reported income.
Solution (1)	Luckily, the customer managed to find us in time and we eventually saved his house from being repossessed. Arranged our private property lender to grant a $2.4M mortgage loan, out of which $1.4M to redeem his existing mortgage, $600K to refund to CPF with remaining $400K fresh term loan for his personal use, which includes servicing of the monthly instalments with the new private lender.
Solution (2)	The customer managed to find a new employment sometime in March this year. We had since successfully helped the customer to refinance the $2.4M from the private lender sometime in September this year.

Challenge 9	BRIDGING LOAN (ASSIGNMENT OF SALES PROCEEDS)
Deal Type	Bridging Loan (Assignment of Sales Proceeds)
Property	Semi-Detached House in Thomson
Property Value	$4M
Existing Mortgage	$2.6M (including $500K CPF usage)
Bridging Loan Amount	$400K
LTV	NA
Synopsis	Introducing our Borrower, a 49-year old homeowner who encountered a scenario demanding prompt decision-making and swift action. Having just sold his property for a substantial $4million, he faced a dilemma. The sale was imminent but the standard 3-month completion period wouldn’t work for him. He needed a $400,000/- bridging loan urgently to settle his existing personal credit obligations and ensure a smooth property sale.
Solution	With determination and a clear mission, we set out to secure a solution. Time was of the essence and we understood the urgency. Throughout our network, we found a non-bank private lender willing to approve the $400,000/- short term bridging loan. This loan was secured through a Deed of Assignment of Sales Proceeds, offering the necessary support to bridge the Borrower’s immediate financial needs. What made this solution truly remarkable was the speed of at which it unfolded. Within a mere 48 hours after the buyer exercised the OTP (Option-To-Purchase), the funds were disbursed. It was a race against time and we had won. The Borrower’s financial obligations were settled and thus enabling the property sale to be completed seamlessly.

Challenge 8	URGENT SHORT-TERM LOAN REQUEST
Deal Type	2^nd Charge (Caveat) Loan
Property	Terrace House in Watten Estate
Property Value	$5M
Existing Mortgage	$2.6M (including $750K CPF usage till date)
New Loan Amount	$500K
LTV	63%
Synopsis	Our borrower was a 52 year old experienced entrepreneur who found himself at the crossroads. He faced a pressing issue that required immediate attention. In a critical moment for his business, he needed an urgent short-term loan of $500,000/- to pay his seafood suppliers. Time was of the essence and he couldn’t afford delays. However, there was a catch. He had an existing loan with UOB, and he was only seeking a brief 6-month loan tenure. Refinancing the entire property for such a short period seemed excessive and unnecessary.
Solution	Determined to provide swift and hassle-free assistance, we worked diligently to secure a solution. Through our extensive network, we found a non-bank lender willing to approve the $500,000/- short term 6-month loan request within a remarkable 48 hours. The speed at which the funds were disbursed was equally impressive. Within just 72 hours, the money was in his company’s accounts, ready to settle his suppliers’ bills. The best part? There was no need to go through the cumbersome process of refinancing the property. Through this case, we can learn the power of agility and tailored solutions.

Financing Beyond Banks:
Your Trusted Loan Broker in Singapore

Our business

Alternative Financing Solutions Made Easy.